properly appreciated the gravity of the house crisis in the united states, and putting -- fixing that in a way that people could either try to save their homes, refinance, even if their home value is underwater, but they had equity in it. so i'd say this more as preemptive, and since congress is so unpopular, doesn't hurt to blame them. >> and here's the thing with housing, lynn, not to get off on a tangent, but one of the things that's rarely addressed is a lot of the folks who desperately need to refinance their homes, their credit has taken such -- it's been battered so badly during the crisis, they don't qualify for the refi. >> well, and i'll do this quickly. that's my point. if you talk about why people might hone in on this issue and why obama's focusing on this, before the debate, where it is likely a reasonable thing to guess that it might come up, is that he realizes that this is a vulnerable area, achilles heel, and now trying to shift the blame ahead of time to congress. i say this is a little bit of setting the stage for obama vulnerability that people can relate to.